Kuruma was an entity created from Kaguya/Juubi. Kuruma is a huge mass of Chakra. Since Kaguya's will is not there (Cause it became Black Zetsu); Kuruma doesn't have to ask Kaguya for chakra. The same goes to Humans with Kaguya's dispersed chakra.
As to how Kuruma can build Chakra when he is empty, it's done by conversion of Energy.
Okay , we agree on that , then , we come back to my first question that was:
How can you call this newly created chakra , created by energy conversion , Kaguya's?
Madara's words are not facts , it can be truth , or not , believers have the right to believe , but not to call it truth.Madara's statements were intended by the author to be taken as the truth. Most of his story was accurate expect for a few parts which was done for plot purposes. Also, Madara's statements are backed up by Hagoromo. so I think it's the truth.
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